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GT Industries (AUST) Pty Ltd T/A MoneyBuddy ACN 682877701
Australian Credit Licence 567039
We may from time to time offer you access to your account by the following access methods:
These are known as ‘Access Methods’. Some or all of the Access Methods may not always be available. You can contact us to check their availability.
We may tell you how to use the Access Methods from time to time.
We may provide you with Access Codes, including a personal identification number (PIN), user ID or password, to access the Access Methods. We may cancel or suspend an Access Code at any time without notice if we reasonably believe its use may result in loss to you or to us.
We may give access to your account through the Access Methods to any person supplying the relevant Access Code(s) and process any transactions made by that person. We can debit your account and you are liable for all transactions conducted by anyone you’ve given your Access Codes to (even if that transaction is not authorised by you).
You may instruct us to block access to your account using the Access Methods.
When you use the Access Methods, your instructions may be carried out if they:
We may postpone processing a transaction if we need further information from you or a third party.
When you or anyone authorised by you gives us instructions for a transaction using the Access Methods, we may not be able to stop the transaction authorised by those instructions. You are responsible for ensuring that the instructions are correct.
We may decline to accept your instructions for a transaction through the Access Methods if:
To the extent permitted by law, we are not liable to you or any other person for any loss or damage which you or any other person may suffer as a result of using the Access Methods or any delay, omission or failure in respect of any transaction.
We can change, suspend or cancel any of the Access Methods and your use of any of the Access Methods at any time without notice, including if we consider it reasonably necessary to prevent loss to you or us for security reasons or if there is suspected fraud. We will comply with any applicable laws or relevant codes of conduct to which we have subscribed.
You can terminate your use of any of the Access Methods at any time by contacting us.
We do not warrant that any of the Access Methods will operate at any time. You should promptly advise us of any faults or unavailability of the Access Methods.
We can, at our discretion, make electronic copies (including recordings) of or monitor any transaction conducted via the internet or telephone access for the purpose of accuracy and security.
IMPORTANT: You must keep your Access Codes secure. If you do not comply with the below security requirements, you may be liable for unauthorised transactions made on your account.
You must keep your Access Codes (and any records of the details of these) secure.
You must do everything necessary to ensure that your Access Codes are not misused, lost or stolen. If any of these are misused, lost or stolen, you must tell us as soon as possible. If you breach any term in this document, you may be held liable for any unauthorised transactions.
You should contact us about any problems or questions relating to the Access Methods.
You must always act with care and protect the security of your Access Codes. Memorise your Access Codes, and destroy any correspondence notifying you of an Access Code.
You must not:
If you choose your own Access Code, you must not select numbers or words which represent your date of birth, your name, or any other combination of numbers or letters which can be readily identified with you.
You must always log off from internet access and close your browser once you have finished an internet access session. If you are using a public computer or mobile device, you must clear the computer or device cache or history after using internet access.
You should take appropriate steps to ensure any device you use to access an electronic access channel is protected against computer viruses and unauthorised access.
Subject to any warranties implied by law that cannot be excluded, we are not responsible for, or liable for loss, damage, or interruption arising out of:
If an error, inaccuracy or omission occurs and you advise us in writing, we will endeavour to correct the problem within three business days of notification. If we cannot, we will inform you when we expect to complete the correction.
Your access to electronic services may be automatically denied after unsuccessful attempts to enter the relevant Access Codes. If this happens, you must contact us to obtain access to the electronic services.
If transactions not authorised by you are processed on your account, you must inform us as soon as you become aware of these. You will not be liable for unauthorised transactions:
If it’s not clear whether you’ve contributed to the loss caused by an unauthorised transaction that required one or more Access Codes, the amount of your liability will be limited to the least of:
If we can prove on the balance of probability that you’ve contributed to the loss by:
You will not be liable for any portion of the losses incurred:
Where more than one Access Code is required to perform a transaction and we prove:
If we can prove on the balance of probability that you have contributed to a loss caused by an unauthorised transaction by unreasonably delaying notification that the security of your Access Codes has been compromised after you become aware of the loss, theft or breach, you will be liable to us for the actual losses incurred between:
In your loan agreement, the following words are defined as follows.
In this document:
GT Industries (AUST) Pty Ltd T/A MoneyBuddy | ACN 682 877 701 | ACL 567039